Hello, first of all, credit card repayment is related to national laws. If there is a malicious breach of contract, the bank has the right to bring a lawsuit against the user. It is recommended to repay the loan on time and maintain a good credit.

If the financial situation does not allow full repayment, you can ask the bank to repay by installments or pay the minimum repayment amount. Either way, as long as the minimum repayment amount can be reached, the bank only charges you a small handling fee, and the repayment process during this period is over. If you often apply for installment, the bank may also increase the limit of your credit card.

In addition, it should be reminded that when your credit card is in arrears for a long time, it will affect your credit information, and then affect important loans such as mortgage and car loan. It will also affect your application for credit cards from other banks in the future. Therefore, I hope that when using credit cards, I can be temperate and planned, and don't make ends meet.